Legal claims defining the scope of protection. Each claim is shown in both the original legal language and a plain English translation.
1. An apparatus comprising: a memory; and a hardware processor communicatively coupled to the memory, the hardware processor configured to: receive transaction information about a transaction that occurred, the transaction information comprising an identification of a merchant performing the transaction and credentials of a first user, wherein: a second user initiated the transaction, the second user impersonating the first user; a mobile device of the first user is configured to generate a first media file at a time of the transaction; and a merchant device comprises at least one of a cash register and a smart terminal and is configured to: accept and process payments; and generate a second media file at the time of the transaction; receive, from the mobile device, the first media file generated by the mobile device during the transaction, the first media file comprising at least one of video of surroundings of the first user during the transaction and a picture of the surroundings of the first user during the transaction; receive, from the merchant device, the second media file generated from the merchant device during the transaction, the second media file comprising at least one of video of an item purchased during the transaction and a picture of the item purchased during the transaction; receive, from the mobile device, a geolocation of the mobile device during the transaction; receive, from the merchant device, a geolocation of the merchant device during the transaction; link the first media file, the second media file, the geolocation of the mobile device, and the geolocation of the merchant device to the transaction information, wherein linking the first media file, the second media file, the geolocation of the mobile device, and the geolocation of the merchant device to the transaction information comprises assigning a common identification number to each of the first media file, the second media file, the geolocation of the mobile device, the geolocation of the merchant device, and the transaction information; store the transaction information, the first media file, the second media file, the geolocation of the mobile device, and the geolocation of the merchant device according to the common identification number in a database in the memory; automatically determine, based on the first media file, the second media file, the geolocation of the mobile device, and the geolocation of the merchant device, that the transaction is fraudulent, wherein determining that the transaction is fraudulent comprises: comparing the first media file to the second media file; determining that the first media file and the second media file are not both about the transaction; comparing the geolocation of the mobile device during the transaction to the geolocation of the merchant device during the transaction; and determining that the geolocation of the mobile device during the transaction is not within a range threshold of the geolocation of the merchant device during the transaction; and in response to determining that the transaction is fraudulent: flag the transaction as fraudulent; and prevent future transactions from an account of the first user used to perform the transaction.
The technology domain involves fraud detection in financial transactions, specifically addressing unauthorized transactions where a second user impersonates a first user. The problem is that traditional fraud detection systems may not effectively identify impersonation fraud, leading to financial losses and security risks. This apparatus enhances fraud detection by correlating transaction data with multimedia evidence and geolocation information. The system includes a memory and a hardware processor that receives transaction details, including merchant identification and credentials of the impersonated user. During the transaction, the victim's mobile device captures a first media file (video or image of surroundings) and the merchant device (cash register or smart terminal) captures a second media file (video or image of the purchased item). The system also collects geolocation data from both devices. The processor links these files and geolocation data to the transaction using a common identification number and stores them in a database. Fraud is detected by comparing the media files to verify consistency with the transaction and checking if the mobile device's geolocation is within a threshold range of the merchant's location. If discrepancies are found, the transaction is flagged as fraudulent, and future transactions from the victim's account are blocked. This approach improves fraud detection accuracy by leveraging real-time multimedia and geolocation evidence.
2. The apparatus of claim 1 , wherein the transaction information further comprises an identification of the merchant device.
A system for processing financial transactions includes a transaction processing device that receives transaction information from a merchant device. The transaction information includes details such as transaction amount, payment method, and merchant identification. The merchant identification uniquely identifies the merchant device involved in the transaction. The system verifies the transaction details, including the merchant identification, to ensure authenticity and validity before processing the payment. This verification step helps prevent fraud and ensures that transactions are routed to the correct merchant account. The system may also include additional security measures, such as encryption and authentication protocols, to protect transaction data during transmission and processing. The merchant identification allows the system to track and manage transactions efficiently, ensuring accurate settlement and reporting. This approach enhances transaction security and reliability in financial processing systems.
3. The apparatus of claim 1 , wherein the hardware processor is further configured to: retrieve a third media file from a social media account of the first user, the third media file generated within an hour of the transaction; link the third media file to the transaction information; and store the third media file in the memory.
This invention relates to systems for linking media files to financial transactions, particularly in social media contexts. The problem addressed is the lack of automated methods to associate user-generated media with corresponding transactions, which can be useful for verification, marketing, or personal record-keeping. The apparatus includes a hardware processor and memory. The processor is configured to retrieve a media file (e.g., photo, video) from a user's social media account that was generated within a short timeframe (e.g., one hour) of a financial transaction. The media file is linked to transaction details (e.g., amount, merchant, timestamp) and stored in memory. This allows the media to serve as visual proof or context for the transaction. The system may also identify and link additional media files from the same timeframe or location, enhancing the transaction record. The processor can analyze metadata (e.g., timestamps, geolocation) to determine relevance. The stored media files can be accessed later for verification, analytics, or user reference. This invention improves transaction documentation by automating the association of digital media with financial activities.
4. The apparatus of claim 3 , wherein: linking the third media file to the transaction information comprises assigning the common identification number to the third media file; and storing the third media file in the memory comprises storing the third media file according to the common identification number in the database in the memory.
This invention relates to a system for linking media files to transaction information using a common identification number. The system addresses the challenge of securely associating digital media, such as images or videos, with transaction records in a way that ensures traceability and integrity. The apparatus includes a processor, a memory with a database, and a communication interface. The processor is configured to receive a third media file from a user device via the communication interface. The system then links this media file to transaction information by assigning a common identification number to both the media file and the transaction data. The processor stores the media file in the database within the memory, organizing it according to the common identification number. This ensures that the media file can be easily retrieved and verified in relation to the corresponding transaction. The system may also include a display for presenting the media file and transaction information to a user. The invention improves data management by providing a structured and secure way to associate media files with transactions, enhancing verification and auditing processes.
5. The apparatus of claim 3 , wherein: the merchant is a restaurant; and the third media file comprises a picture of food.
A system for digital media-based transactions involves a merchant, such as a restaurant, and a customer device. The system captures a first media file, such as a photo or video, of a physical item, like a menu or a dish, at the merchant's location. The system then generates a second media file, such as a digital receipt or a promotional offer, based on the first media file. The system also provides a third media file, which includes a picture of food, to the customer device. This third media file may be used for verification, marketing, or transaction processing. The system processes the media files to facilitate transactions, such as payments or order confirmations, between the customer and the merchant. The use of media files allows for seamless, image-based interactions, reducing the need for manual input and enhancing the customer experience. The system may also include features like real-time processing, secure authentication, and integration with payment systems to ensure efficiency and security in the transaction process.
6. The apparatus of claim 1 , wherein the hardware processor is further configured to: receive a transaction dispute for the transaction; and retrieve, in response to the transaction dispute, the transaction information and the first media file.
This invention relates to transaction processing systems, specifically addressing the need for efficient dispute resolution in financial transactions. The system includes a hardware processor configured to process transactions, generate transaction information, and capture media files associated with the transaction. The media files may include images, videos, or other data relevant to the transaction, such as receipts, signatures, or biometric data. The processor stores this information in a database for later retrieval. In the event of a transaction dispute, the system allows a user to submit a dispute request. Upon receiving the dispute, the processor retrieves the stored transaction information and the associated media file from the database. This enables quick verification of transaction details, reducing the time and effort required to resolve disputes. The system ensures that all relevant data is preserved and easily accessible, improving transparency and accuracy in dispute resolution. The invention enhances security and trust in transaction processing by providing verifiable evidence for disputed transactions.
7. The apparatus of claim 1 , wherein: the first media file comprises a first picture; the second media file comprises a second picture; and the hardware processor is further configured to generate an accounting statement that displays the transaction information with the first media file and the second media file.
This invention relates to a system for processing and displaying transaction information alongside media files, such as images, to enhance financial or accounting records. The system addresses the need for visual verification and contextual reference in transaction documentation, improving accuracy and user understanding. The apparatus includes a hardware processor that processes transaction data and associates it with media files. Specifically, the system links a first media file containing a first picture (e.g., a receipt, product image, or document) and a second media file containing a second picture (e.g., a related image or additional documentation) to the transaction information. The processor generates an accounting statement that integrates the transaction details with both media files, allowing users to view the transaction context alongside visual evidence. This ensures transparency and reduces discrepancies in financial records. The system may also include features from dependent claims, such as generating a composite image combining the first and second pictures, or enabling user interaction to verify or modify the displayed media files. The processor may further analyze the media files to extract metadata or perform optical character recognition (OCR) to enhance transaction accuracy. The invention is applicable in accounting software, financial applications, or digital ledger systems where visual documentation is critical.
8. A method comprising: receiving transaction information about a transaction that occurred, the transaction information comprising an identification of a merchant performing the transaction and credentials of a first user, wherein: a second user initiated the transaction, the second user impersonating the first user; a mobile device of the first user is configured to generate a first media file at a time of the transaction; and a merchant device comprises at least one of a cash register and a smart terminal and is configured to: accept and process payments; and generate a second media file at the time of the transaction; receiving, from the mobile device, the first media file generated by the mobile device during the transaction, the first media file comprising at least one of video of surroundings of the first user during the transaction and a picture of the surroundings of the first user during the transaction; receiving, from the merchant device, the second media file generated from the merchant device during the transaction, the second media file comprising at least one of video of an item purchased during the transaction and a picture of the item purchased during the transaction; receiving, from the mobile device, a geolocation of the mobile device during the transaction; receiving, from the merchant device, a geolocation of the merchant device during the transaction; linking the first media file, the second media file, the geolocation of the mobile device, and the geolocation of the merchant device to the transaction information, wherein linking the first media file, the second media file, the geolocation of the mobile device, and the geolocation of the merchant device to the transaction information comprises assigning a common identification number to each of the first media file, the second media file, the geolocation of the mobile device, the geolocation of the merchant device, and the transaction information; storing the transaction information, the first media file, the second media file, the geolocation of the mobile device, and the geolocation of the merchant device according to the common identification number in a database; automatically determining, based on the first media file, the second media file, the geolocation of the mobile device, and the geolocation of the merchant device, that the transaction is fraudulent, wherein determining that the transaction is fraudulent comprises: comparing the first media file to the second media file; determining that the first media file and the second media file are not both about the transaction; comparing the geolocation of the mobile device during the transaction to the geolocation of the merchant device during the transaction; and determining that the geolocation of the mobile device during the transaction is not within a range threshold of the geolocation of the merchant device during the transaction; and in response to determining that the transaction is fraudulent: flag the transaction as fraudulent; and prevent future transactions from an account of the first user used to perform the transaction.
This invention relates to fraud detection in financial transactions, specifically addressing unauthorized transactions where a second user impersonates a first user. The system captures and analyzes media files and geolocation data from both the first user's mobile device and the merchant's device to detect discrepancies indicative of fraud. The mobile device generates a first media file, such as video or images of the surroundings, while the merchant device generates a second media file, such as video or images of the purchased item. Both devices also provide geolocation data during the transaction. The system links these files and geolocation data to the transaction information using a common identifier and stores them in a database. Fraud is detected by comparing the media files to ensure they relate to the same transaction and verifying that the mobile device's geolocation is within a specified range of the merchant's location. If inconsistencies are found, the transaction is flagged as fraudulent, and future transactions from the affected account are blocked. This approach enhances security by cross-referencing multiple data sources to identify impersonation fraud.
9. The method of claim 8 , wherein the transaction information further comprises an identification of the merchant device.
Digital transaction processing and record-keeping. A challenge exists in securely and efficiently associating transaction details with the specific device that initiated or processed the transaction, particularly in distributed or point-of-sale environments. This invention provides a method for enhancing transaction data. The method involves processing transaction information. This transaction information is then augmented to include an identifier that specifically designates the merchant device involved in the transaction. This identifier can be, for example, a unique serial number, MAC address, or any other suitable piece of data that unambiguously points to the specific piece of hardware used by the merchant for the transaction.
10. The method of claim 8 , further comprising: retrieving a third media file from a social media account of the first user, the third media file generated within an hour of the transaction; linking the third media file to the transaction information; and storing the third media file in the memory.
This invention relates to a system for enhancing transaction records by automatically associating media files from social media accounts with transaction data. The problem addressed is the lack of contextual information in traditional transaction records, which can make it difficult to verify, analyze, or recall transaction details. The system monitors a user's social media account for media files (e.g., photos, videos) generated around the time of a transaction. Specifically, it retrieves a media file created within an hour of the transaction, ensuring relevance. The system then links this media file to the corresponding transaction information, such as purchase details, timestamps, or involved parties. The linked media file is stored in a memory for future reference, providing visual or contextual evidence of the transaction. This process may be part of a broader method that includes generating transaction information, such as capturing details from a payment system, and storing it in a database. The system may also analyze the media file to extract metadata (e.g., location, time) to further enrich the transaction record. By integrating social media content with transaction data, the system improves record-keeping, verification, and user experience.
11. The method of claim 10 , wherein: linking the third media file to the transaction information comprises assigning the common identification number to the third media file; and storing the third media file in the memory comprises storing the third media file according to the common identification number in the database.
This invention relates to a system for linking media files to transaction information using a common identification number. The problem addressed is the difficulty in associating digital media files, such as images or videos, with specific transactions in a way that ensures traceability and integrity. The solution involves a method where a third media file, which may be generated or obtained during a transaction, is linked to transaction data by assigning a unique common identification number to both the media file and the transaction information. This identification number is used to store the media file in a database, ensuring that the file can be retrieved and verified in relation to the transaction. The system may also include steps for generating or obtaining the media file, such as capturing an image or video, and processing the file to prepare it for storage. The method ensures that the media file remains associated with the correct transaction data, preventing mismatches or errors. This approach is particularly useful in financial or legal contexts where accurate record-keeping is critical. The database stores the media file according to the common identification number, allowing for efficient retrieval and verification of the linked data.
12. The method of claim 10 , wherein: the merchant is a restaurant; and the third media file comprises a picture of food.
This invention relates to a system for processing media files in a transaction environment, specifically for restaurants. The system captures media files, such as images or videos, from a user's device during a transaction. These files are then analyzed to extract relevant information, such as the content of the media, and used to enhance the transaction process. For example, in a restaurant setting, the system may process a picture of food to verify an order, customize recommendations, or streamline payment. The media files are securely transmitted to a server, where they are processed using machine learning or image recognition techniques to identify key features. The extracted data is then used to improve transaction accuracy, personalize user experiences, or automate certain steps in the transaction workflow. The system ensures privacy by anonymizing or encrypting sensitive information before processing. This approach reduces manual input errors, speeds up transactions, and provides a more interactive and efficient experience for both customers and merchants.
13. The method of claim 8 , further comprising: receiving a transaction dispute for the transaction; and retrieving, in response to the transaction dispute, the transaction information and the first media file.
A system and method for transaction verification and dispute resolution involves capturing and storing transaction information along with associated media files to authenticate transactions. The technology addresses the problem of fraudulent or disputed transactions by providing verifiable evidence in the form of media files, such as images or videos, that document the transaction details. When a transaction dispute arises, the system retrieves the stored transaction information and the corresponding media file to resolve the dispute. The media file may include visual or audio evidence that confirms the transaction's validity, such as a photograph of the purchased item or a video recording of the transaction process. The system ensures that the media file is securely linked to the transaction data, preventing tampering or misrepresentation. This approach enhances trust in digital transactions by providing objective evidence that can be reviewed by parties involved in the dispute. The method is particularly useful in e-commerce, banking, and other industries where transaction disputes are common. By automating the retrieval of transaction evidence, the system reduces the time and effort required to resolve disputes while improving accuracy and fairness.
14. The method of claim 8 , further comprising generating an accounting statement that displays the transaction information with the first media file and the second media file, wherein the first media file comprises a first picture and the second media file comprises a second picture.
This invention relates to a method for processing media files in a financial transaction system, specifically addressing the need to securely and accurately associate media files with transaction data. The method involves capturing a first media file, such as a picture of a check or document, and a second media file, such as a picture of a user or additional verification data. The system processes these media files to extract relevant transaction information, such as check amounts, account details, or user identification. The method then generates an accounting statement that combines the extracted transaction information with the first and second media files, displaying the first picture (e.g., the check image) alongside the second picture (e.g., the user's photo or additional verification image). This ensures that the transaction data is visually verifiable and linked to the original media files, enhancing security and auditability. The method may also include steps for validating the media files, such as checking image quality or authenticity, before generating the accounting statement. The solution improves financial transaction processing by providing a clear, traceable record of both the transaction details and the associated media evidence.
15. A system comprising: a mobile device of a first user; a merchant device; and a security tool configured to: receive transaction information about a transaction that occurred involving the merchant device, the transaction information comprising an identification of the merchant of the merchant device and credentials of a first user, wherein: a second user initiated the transaction, the second user impersonating the first user; the mobile device of the first user is configured to generate a first media file at a time of the transaction; and the merchant device comprises at least one of a cash register and a smart terminal and is configured to: accept and process payments; and generate a second media file at the time of the transaction; receive, from the mobile device, the first media file generated by the mobile device during the transaction, the first media file comprising at least one of video of surroundings of the first user during the transaction and a picture of the surroundings of the first user during the transaction; receive, from the merchant device, the second media file generated by the merchant device during the transaction, the second media file comprising at least one of video of an item purchased during the transaction and a picture of the item purchased during the transaction; receive, from the mobile device, a geolocation of the mobile device during the transaction; receive, from the merchant device, a geolocation of the merchant device during the transaction; link the first media file, the second media file, the geolocation of the mobile device, and the geolocation of the merchant device to the transaction information, wherein linking the first media file, the second media file the geolocation of the mobile device, and the geolocation of the merchant device to the transaction information comprises assigning a common identification number to each of the first media file, the second media file, the geolocation of the mobile device, the geolocation of the merchant device, and the transaction information; store the transaction information, the first media file, the second media file, the geolocation of the mobile device, and the geolocation of the merchant device according to the common identification number in a database; automatically determine, based on the first media file, the second media file, the geolocation of the mobile device, and the geolocation of the merchant device, that the transaction is fraudulent, wherein determining that the transaction is fraudulent comprises: comparing the first media file to the second media file; determining that the first media file and the second media file are not both about the transaction; comparing the geolocation of the mobile device during the transaction to the geolocation of the merchant device during the transaction; and determining that the geolocation of the mobile device during the transaction is not within a range threshold of the geolocation of the merchant device during the transaction; and in response to determining that the transaction is fraudulent: flag the transaction as fraudulent; and prevent future transactions from an account of the first user used to perform the transaction.
This system addresses fraudulent transactions where a second user impersonates a first user. The system includes a mobile device of the first user, a merchant device (such as a cash register or smart terminal), and a security tool. During a transaction, the mobile device captures a first media file (video or images of the user's surroundings) and the merchant device captures a second media file (video or images of the purchased item). Both devices also record their geolocations. The security tool receives and links these files and geolocations to the transaction data using a common identifier. It then analyzes the data to detect fraud by comparing the media files to ensure they relate to the same transaction and verifying that the mobile device's geolocation is within a threshold distance of the merchant device. If discrepancies are found, the transaction is flagged as fraudulent, and future transactions from the first user's account are blocked. This system enhances fraud detection by cross-referencing multiple data sources to verify transaction legitimacy.
16. The system of claim 15 , wherein the transaction information further comprises an identification of the merchant device.
This invention relates to a system for processing financial transactions, particularly focusing on enhancing transaction security and traceability. The system addresses the problem of fraud and unauthorized transactions by incorporating additional transaction information to verify and authenticate transactions. A key feature is the inclusion of merchant device identification within transaction data, allowing the system to track and validate the origin of transactions. This helps prevent fraudulent transactions by ensuring that transactions are only processed from authorized merchant devices. The system integrates with existing payment networks and financial institutions to process transactions securely. It captures transaction details, including payment amounts, timestamps, and participant identifiers, and supplements this data with merchant device information. This additional layer of identification helps financial institutions and payment processors detect and block suspicious transactions. The system may also use this data for auditing, compliance, and dispute resolution, providing a complete record of transaction origins. By linking transactions to specific merchant devices, the system improves fraud detection, reduces false positives, and enhances overall transaction security. This approach is particularly useful in e-commerce, mobile payments, and other digital transaction environments where fraud risks are high. The system can be implemented as part of a payment gateway, a financial institution's backend, or a standalone security module.
17. The system of claim 15 , wherein the security tool is further configured to: retrieve a third media file from a social media account of the first user, the third media file generated within an hour of the transaction; link the third media file to the transaction information; and store the third media file in the memory.
A system for enhancing transaction security and verification by analyzing user-generated media files from social media accounts. The system addresses the problem of fraudulent transactions by correlating transaction data with real-time user activity captured in media files, such as photos or videos, to verify the legitimacy of the transaction. The system includes a security tool that retrieves media files from a user's social media account, analyzes the content to determine relevance to a transaction, and links the media file to transaction information. This process helps detect anomalies or inconsistencies that may indicate fraud. In this specific implementation, the security tool is further configured to retrieve a third media file from the user's social media account, where the media file was generated within an hour of the transaction. The system then links this media file to the transaction information and stores it in memory for further analysis or verification. This additional step ensures that the most recent user activity is considered, providing a more accurate and timely assessment of transaction legitimacy. The system may also include a transaction processing module to handle transaction data and a user interface for displaying verification results. The security tool may use machine learning or pattern recognition to analyze media files and determine their relevance to the transaction.
18. The system of claim 17 , wherein: linking the third media file to the transaction information comprises assigning the common identification number to the third media file; and storing the third media file in the memory comprises storing the third media file according to the common identification number in the database.
This invention relates to a system for managing media files in association with transaction information. The system addresses the challenge of securely and efficiently linking media files, such as images or videos, to transaction records to ensure traceability and integrity. The system includes a memory storing a database, a processor, and a network interface for receiving media files and transaction data. The processor is configured to receive a first media file and transaction information, generate a common identification number for the transaction, and link the first media file to the transaction by assigning the common identification number to the media file. The linked media file is then stored in the database according to the identification number. The system further processes a second media file by comparing it to the first media file to verify consistency, such as through checksum or hash comparison. If the second media file matches the first, it is also linked to the transaction using the same identification number and stored in the database. For a third media file, the system assigns the common identification number to it and stores it in the database under the same identification number, ensuring all media files related to a transaction are grouped and retrievable. This approach enhances data integrity and simplifies retrieval by associating all transaction-related media files under a unified identifier.
19. The system of claim 15 , wherein the security tool is further configured to: receive a transaction dispute for the transaction; and retrieve, in response to the transaction dispute, the transaction information and the first media file.
A system for secure transaction processing and dispute resolution involves capturing and storing transaction information along with associated media files to verify transaction details. The system includes a security tool that monitors transactions, records transaction data, and generates media files such as images or videos to document the transaction. When a dispute arises, the security tool retrieves the stored transaction information and the corresponding media file to resolve the dispute. The media file provides visual or auditory evidence of the transaction, ensuring accuracy and reducing fraud. The system may also include a user interface for initiating transactions, a database for storing transaction records, and a communication module for transmitting data. The security tool can be integrated into point-of-sale systems, online payment platforms, or other transaction processing environments. The invention addresses the need for reliable transaction verification by providing tamper-evident media files that can be retrieved during disputes to confirm transaction details. This enhances trust and reduces the likelihood of fraudulent claims.
20. The system of claim 15 , wherein: the first media file comprises a first picture; the second media file comprises a second picture; and the security tool is further configured to generate an accounting statement that displays the transaction information with the first media file and the second media file.
This invention relates to a system for enhancing transaction security and verification by integrating media files with transaction data. The system addresses the problem of ensuring the authenticity and traceability of transactions by linking digital media, such as images, to transaction records. The system includes a security tool that processes a first media file, such as a picture, and a second media file, also a picture, to generate an accounting statement. This statement combines transaction information with the associated media files, providing a visual and documented record of the transaction. The security tool ensures that the media files are securely tied to the transaction data, preventing tampering and enabling verification. The system may also include a transaction processor that handles the transaction details and a storage module that stores the media files and transaction data. The integration of media files with transaction records enhances transparency, reduces fraud, and simplifies auditing processes. The accounting statement serves as a comprehensive record that can be used for verification, dispute resolution, or compliance purposes. The system is particularly useful in financial transactions, legal documentation, or any scenario where visual evidence is required to support transactional data.
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August 18, 2020
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